UAE banks usually lend non-residents 50–60% of a ready property's value for up to 25 years. For example: AED 1,500,000, 50% down, an assumed 4.5% rate (not a bank offer), 25 years — about AED 4,169 a month; upfront about AED 852,565: down payment, the 4% DLD fee and fixed fees, trustee office, DLD mortgage registration and the mortgage service centre, a 2% agency commission with VAT (bank fee and valuation not included). We do not lend: the bank sets the terms and approves the loan.
"Cash needed upfront" = down payment + 4% DLD fee + fixed DLD fees + trustee + mortgage registration + 2% agency commission with VAT; bank fee and valuation are extra.
Send the result to a broker on WhatsApp →Usually 40–50%: UAE banks lend non-residents about 50–60% of a ready property's value. The exact limit depends on the bank, the property and income; DLD and bank fees are paid on top of the down payment.
For a ready apartment bought in cash at AED 1,500,000: the 4% DLD fee (AED 60,000), fixed DLD fees of AED 520, the trustee office at AED 4,200 with VAT and a 2% agency commission plus VAT — about AED 96,220 in total, or 6.4% of the price.
An estimate, not an offer or financial advice. DLD fees are taken from the official DLD website as of 2026-11-11; bank terms, commission and exchange rates depend on the deal. Check the amounts before you pay.